Canadian seniors rely on the Canada Pension Plan (CPP) and Old Age Security (OAS) as two of their most crucial income sources during retirement. In September 2025, many seniors are expected to receive a combined payment of around $1,600, thanks to cost-of-living increases and stable payment schedules.
Understanding how much you’ll receive, when the payment will arrive, and who qualifies is essential for planning your monthly budget. Here’s a complete guide to the September 2025 CPP and OAS payments.
When Will CPP and OAS Payments Arrive in September 2025?
The Government of Canada issues CPP and OAS payments monthly, usually on the last three business days of each month.
- For September 2025, the scheduled payment date is:
- Friday, September 25, 2025
- Seniors who are enrolled in direct deposit will receive funds in their bank accounts on this date.
- Those receiving cheques by mail might experience delays due to postal processing times.
Setting up direct deposit through your CRA or My Service Canada account ensures faster and safer access to your benefits.
How Much Will Seniors Receive in September 2025?
CPP and OAS are adjusted regularly to account for inflation through cost-of-living adjustments (COLA). The average combined amount for September 2025 is estimated at around $1,600, although exact figures depend on contribution history, age, and eligibility.
CPP Payments
- Maximum monthly CPP at age 65: about $1,433
- Average monthly CPP: about $844
- Retiring earlier than 65 reduces payments, while delaying up to age 70 increases them significantly.
OAS Payments
- OAS is based on residency, not employment contributions.
- It is adjusted quarterly to reflect rising living costs.
For September 2025:
- Ages 65–74: up to $734.95 per month
- Ages 75+: up to $808.44 per month (includes a permanent 10% boost introduced in 2022)
Estimated Combined CPP + OAS Payments
| Age Group | CPP (Average) | OAS | Total Monthly |
|---|---|---|---|
| 65–74 years old | $844 | $734.95 | $1,578.95 |
| 75+ years old | $844 | $808.44 | $1,652.44 |
| Maximum eligible | $1,433 | $808.44 | $2,241.44 |
These payments are crucial to covering daily living expenses like housing, food, utilities, and medical costs for millions of Canadian seniors.
Who Is Eligible for CPP and OAS Payments?
CPP Eligibility
- You must have contributed to CPP during your working years.
- Payments depend on your contribution amount, length of contributions, and the age you begin collecting.
- You can start CPP as early as age 60 (with reduced benefits) or delay up to age 70 (with increased benefits).
OAS Eligibility
- You must be 65 or older.
- Must have lived in Canada for at least 10 years after age 18 to get partial OAS or 40 years for full benefits.
- Seniors aged 75+ automatically receive the 10% permanent top-up.
Why the September 2025 Payment Matters
The September 2025 CPP and OAS payments carry extra importance because of:
- COLA increases that raised 2025 benefit amounts
- Synchronized payments arriving together at month’s end
- Possible additional support from the Guaranteed Income Supplement (GIS) for low-income seniors
Receiving around $1,600 combined gives retirees predictable income, helping them manage household budgets and inflation-driven costs more confidently.
Tips to Ensure Timely CPP and OAS Payments
- Enroll in direct deposit to avoid postal delays.
- Keep your personal and banking information updated with CRA and Service Canada.
- File your income tax on time, as it determines OAS and GIS eligibility.
- Monitor CRA and Service Canada notices for updated payment amounts and dates.
The $1,600 CPP and OAS payment coming on September 25, 2025 will provide essential financial relief for Canadian seniors, especially as living costs remain high. With automatic cost-of-living adjustments, predictable payment schedules, and additional supports like GIS, seniors can better plan their monthly expenses.
Staying informed about eligibility requirements and keeping your information current ensures you receive your full benefits on time and without disruption.
FAQs
When will the September 2025 CPP and OAS payments be made?
They will be deposited on Friday, September 25, 2025 for those using direct deposit. Cheques may arrive later by mail.
How much can seniors expect to receive in September 2025?
The average combined CPP and OAS payment is about $1,600, with maximum combined payments reaching around $2,241 monthly.
Who qualifies for OAS payments?
Canadians aged 65+ who have lived in Canada for at least 10 years after turning 18 may qualify, with full benefits after 40 years.